Besides Marks and Spencers Car Insurance, M&S Financial Services Credit Cards and other financial products, M&S Financial Services Household Insurance deserves particular mention, with it being particularly good value for money, and providing extra insurance cover that many UK insurance companies either don't provide at all, or would charge extra for.

With M&S Financial Services Premier Contents policy, for example, student's belongings are not only covered at home, but also at college or university. Additionally, dependent relatives are also covered if their belongings happen to be in a nursing home. Even better still, your Marks and Spenser purchases are also protected while you take them home.

Also, on both M&S Financial Services Premier Household Insurance and Standard Household Insurance policies, you can choose to include Contents Away From Home. This option would then provide valuable cover all of your personal belongings on a worldwide basis.

Not so long ago, only banks and traditional insurance companies offered financial or insurance products, yet today it may often seem as if even the local corner shop is offering financial products. That's not quite true, of course, but many more companies do offer financial products than used to be the case, and it can sometimes be difficult to decide who is offering the best deal.

And, while Marks and Spencers once offered mostly fashion products, with the only hint of a credit card being when you paid for your shopping at the checkout, today you'll find as good a deal on M&S credit cards as you will with the latest range of M&S fashion.

In fact, these days MarksandSpencer, through its M&S Financial Services website, offer a range of financial products which would not look out of place in many banks, including M&S Car Insurance, M&S Household Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

Shopping for financial products at M&S Financial Services UK website is just as simple as shopping for fashion or furniture at the Marks & Spencer online store. Here are just some of the financial products which can be purchased via the M&S Financial Services website:

• M&S Insurance: M&S Car Insurance, M&S Household Insurance, M&S Life Insurance, M&S Wedding Insurance, M&S Pet Insurance, M&S Travel Insurance
• M&S Credit Cards: M&S Credit Card, M&S Premium Club Card
• M&S Loans: M&S Car Buying Plan, M&S Personal Loans
• M&S Money: M&S Travel Money for your trips abroad
• M&S Savings: M&S Everyday Savings Account, M&S Fixed Rate Savings, M&S Stocks & Shares ISA, M&S Cash ISA, M&S Unit Trust

Of course, many of these types of product can be purchased elsewhere too; however, once you begin to take a closer look at the products from Marks & Spencers, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting M&S Financial Services in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M&S Financial Services website.

Spencer Bear, at Mark & Spencers
Cute and cuddly, this huggable Spencer Bear makes for a great gift

Floral Collection Rose Bath Essence, at Marks & Spensers
Moisture rich Rose scented 500 ml Aqua, Sodium Laureth Sulfate, PEG-6 Caprylic/Capric Glycerides, Cocamidopropyl Betaine, Lauryl Betaine, Sodium Chloride, Rosa Centifolia (Rose), Glycerin, Cocamide DEA, Parfum, Benzyl Salicylate, Citronellol, Linalool, Alpha-Isomethyl Ionone, Disodium EDTA, Citric Acid, Benzophenone-2, BHT, Magnesium Nitrate, Methylchloroisothiazolinone, Magnesium Chloride, Methylisothiazolinone, Phenoxyethanol, Methylparaben, Butylparaben, Ethylparaben, Isobutylparaben, Propylparaben, CI 17200 CI 47005

Pure Silk Leaf Embroidered Cushion, at Marks and Spencer
Square shape Leaf embroidered design Lined L50 x W50cm, Manufacturer: Marks & Spencer

Tencel® Longline Bib Shirt, at Marks and Spencer
Smart and stylish, this longline shirt is made from soft, comfortable tencel. It features a pleated bib for a fashionable look

Lightweight Paisley Print Scarf, at Marks & Spencers
Add a fashionable finishing touch to your look with this elegant paisley print scarf. The perfect accessory to this season's styles

Girls' Limited Rock Princess Vest Top & Shrug, at Marks and Spencer
Part of Girls Limited, a contemporary casual collection in trend-conscious styles and soft comfortable fabrics, designed for easy layering. Perfect for stylish girls who love looking fashionable

Open Toe Crossover Strap Wedge Sandals, at Mark's & Spencer
Open toe Crossover strap Stripe detail Buckle fastening Wedge heel Heel height: 58mm

Woven 'Scotland' Jogging Bottoms, at Mark & Spencers
Sports fans will love these cosy joggers featuring the Scotland slogan. A practical, easycare style

Floral Cosmetic Purse, at Marks and Spencer
Matching mirror Floral detail

Portfolio Sleeveless Stripe Jersey Dress, at Marks and Spencers
Part of Portfolio's Set Sail trend. Fresh and breezy, this sophisticated look features classic styling with vibrant accents of summertime pinks and blues. Feminine and coordinated designs for the new season

Portfolio Aquarius Pods Necklace, at M&S
Button fastening Ribbon chain Pods style bead design Necklace length 68cm

Bubble Fan, at Marks & Spencer
Bubble solution and dip tray included Double bubble blower Recommended for age 3 to 6 years This product conforms to the EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

Limited Collection Pindot Balcony Bra, at Marks and Spencer
Fun and fabulous, this cotton blend bra is part of our Limited Collection lingerie. The balcony shape gives maximum uplift for a flattering look, and the smooth cups won't give you visible lines under your clothes. For a funky look, mix and match with coordinating lingerie from Limited. Casual, contemporary fashion

Pure Cotton Lined Cargo Trousers with Belt, at M & S
Relaxed and comfortable, these pure cotton cargos feature multiple pockets. A practical easycare style

Tree Pastry Cutter, at Marks and Spencers
Tree design, Manufacturer: Marks & Spencer

2 Pairs of Freshfeet Long Socks with Silver Technology, at Marks and Spencer
Our odour control Freshfeet socks are now better than ever with a new Sanitised Silver finish. Known for its natural antibacterial properties, silver helps reduce the presence of bacteria that causes smelly odours, so your feet stay fresh with every step and it keeps working for the lifetime of the socks

Cotton Blend Turn-Up Sleeve Check Shirt, at Marks and Spencer
This fashionable top is made from super soft fabric that looks and feels great. Modern styling details give it a cool contemporary edge

50/50 Bed Linen - Valance, at Marks and Spencers
Single: L190 x W91cm, frill depth 39cm Double: L190 x W137cm, frill depth 39cm King Size (5ft): L200 x W152cm, frill depth 39cm Super King Size (6ft): L200 x W183cm, frill depth 39cm Plain dye bed linen Easy to iron Plain fabric (no design) Care instructions: Machine washable, Tumble dry Composition:50% cotton, 50% polyester, Manufacturer: Marks & Spencer

Blue Energy Deodorising Body Spray, at M&S
150ml spray This product is not available for international delivery. Find out more

Collezione Wool Rich Single Breasted 2 Button Jacket with Silk, at Marks and Spencer
Italian tailoring is renowned for its sophisticated style. Each collezione suit is designed with that same passion, using the finest fabrics and best tailoring techniques. Inspired by Italian flair, we've lavished time and care on this garment to give you a feeling of luxury like no other

3/4 Sleeve Pleated Mock Layer Top, at Marks and Spenser
It's the stunning pleat detail that makes this fashionable mock layer top the perfect way to get this season's look

Angel Cotton Rich Spot Print First Bra & Shorts Set, at Mark's & Spencer
This simply styled great value spot print bra and shorts set is ideal for everyday wear. It's made with stretchy cotton for a supportive and comfortable fit and the non-wired design is the best choice for first bras

Autograph Cotton Rich Satin Bow Shirt, at Mark & Spencers
Feminine and elegant, this sophisticated shirt is beautifully designed and cut for a flattering shape and features a stunning sateen bow tie feature

Autograph Plaited Weave Leather Belt, at Marks & Spencer
A taste of safari beckons with this distinguished plaited leather belt. The perfect stylish finish to chinos

Sunshine Basket, at Mark & Spensers
Bring the bright, sunny hues of a summer garden inside with this collection of sunflowers complemented by gorgeous bi-colour roses and lush foliage Available for delivery from 1st July to 30th September 2009

Pure Cotton Floral Print Pleated Skirt, at Marks and Spencer
Pretty and feminine, this knee length pleated skirt is a look you'll love. Stylish, practical and fashionable

Younger Girls' Permair™ Widefit School Shoes, at Mark & Spencers
Round toe Bow feature Single ankle strap with rip tape fastening Flat sole Scallop trim Scuff resistant Widefit Permair™ micro porous coating makes the shoes scuff and water-resistant and easy to clean, while allowing feet to breathe

Silver Plated Double Twist Ring Necklace, at Marks & Spencer
Clasp fastening Adjustable length Thin chain Double twist ring pendant with multifaceted bead detail Necklace length 40cm, extendable by 7.5cm

JBL Spot™ 3 Piece Powered Satellite Speakers & Subwoofer System, at M+S
Input Impedance: >5k Ohms Signal-to-Noise Ratio: >80dB Frequency Response: 40Hz 20kHz Input Sensitivity: 400MV RMS for rated power Voltage Input: 120V AC Satellite Drivers: Two Odyssey™ transducers Satellite Power Rating: 6 Watts per satellite at 10% (THD+N) Satellite Dimensions: H9 x diam 9cm Subwoofer Drivers: One Atlas™ transducer Subwoofer Power Rating: 24 Watts at 10% (THD+N) Subwoofer Dimensions: H14 x diam 20cm Easy-to-Use Touch Controls: One touch increases or decreases the volume; one touch mutes or unmutes the system JBL Spot remembers your previous settings every time the system is powered on Compatible with a variety of multimedia devices desktops, laptops, iPod and other MP3 players, satellite radio, game consoles The powerful and efficient subwoofer provides clean, low bass M&S is a member of the WEEE Distributor Take Back Scheme. Recycling your electronic waste has never been easier! Click here for more information This product is not available for international delivery. Find out more

Capiz Tiered Pendant Shade, at Marks & Spencers
3 tiers Pendant shape Capiz shells Comes in white and amber Bulb: 100W GLS H30 x Diam 25cm This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Contrary to popular opinion, not every insurance company is out to get you, and it's not every insurance company that will disect the fine-print until they find some way of denying your insurance claim. However, you do need to shop around for the financial products and insurance policies that are the best suited for your individual needs.

That's why insurance policies, and other financial products, from Marks and Spenser are so useful. M&S Financial Services financial products are, of course, designed to make Marks and Spenser a profit, but there is no denying that they are also very good value for money, offering many features as standard which you'd often need to pay extra for at other insurance companies.

Take, for example, Household Insurance policies. Usually, UK Household Insurance policies have limits on particular types of items such as freezer contents, garden furniture and outdoor toys, outbuildings or cars, etc. These restrictions are called inner limits. However, the only inner limits on the M&S Financial Services Household Insurance policy are £500 for cash; £2m for property-owners and personal liability; £10m for domestic employees liability and £40,000 for tenants liability. Even better is the fact that you're likely to pay no more for M&S Financial Services Household Insurance than you will anywhere else, and you may even pay less with M&S.